7 banks and credit unions have branches in Old Saybrook. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Connecticut
Old Saybrook counts institutions with a branch here, wherever headquartered. Connecticut counts institutions headquartered in the state.
Old Saybrook
5 institutions with a branch here
$3
Connecticut
29 institutions headquartered in Connecticut
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Old Saybrook median sits furthest from Connecticut's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Old Saybrook with Connecticut and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $35.
Median published overdraft fee
Old Saybrook
5 institutions with a branch here
$20
Connecticut
34 institutions headquartered in Connecticut
$32.50
U.S.
2,605 institutions in the index
$30
Old Saybrook covers every institution with a branch here, wherever it is headquartered. Connecticut covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
7 institutions, 5 with a published overdraft fee.
Bank · based in Middletown, CT · 1 branch here
Account not yet known
“Overdraft Item (Insufficient Funds Charge – Paid)2 Check, POS, Electronic or Recurring ACH - Paid | $35.00”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Guilford, CT · 1 branch here
Bank · based in Cleveland, OH · 1 branch here
Account not yet known
“$20.00 Overdraft Item (OD) Charge will apply to each item we pay when your end-of-day overdraft balance”
Bank · based in Essex, CT · 1 branch here
Bank · based in Buffalo, NY · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Largest banks by local bank deposits
Share of the $931 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lower Connecticut River Valley Planning Region
Deposits and branches cover the City of Old Saybrook. Population and income cover Lower Connecticut River Valley Planning Region, the county with most of Old Saybrook's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Lower Connecticut River Valley Planning Region.
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